What is KeepBudget?
KeepBudget is a free budget app and expense tracker that brings every account — bank, cash, credit cards, crypto, stocks, property, loans and savings — into a single dashboard. Instead of juggling spreadsheets or hopping between banking apps, you get one clear picture of your total balance, income, spending and true net worth. It works without a bank connection, supports sign-in with Google or email, and lets you export your data at any time. Apps are available for iPhone and Android, and the free plan requires no credit card.
Who it's for
- Everyday budgeters who want spending limits that visibly change behavior rather than a static spreadsheet.
- Multi-currency households juggling accounts, travel money or crypto across different currencies and shared wallets.
- Goal-driven savers tracking progress toward a purchase, an emergency fund or a monthly income target.
Key features
Budgets with real guardrails
Create a budget for any category, wallet or tag across weekly, monthly, quarterly or yearly cycles — or as a one-off. Every expense converts into the budget's currency automatically, and the bar turns red the moment you cross the line.
Scheduled transactions on autopilot
Add salary, rent and subscriptions once and KeepBudget posts each transaction automatically when it's due. Schedules can run daily, weekly, monthly, quarterly or yearly, and any series can be paused, edited or stopped.
Savings and income goals
Savings goals follow the live balance of the wallets you link, so progress updates itself with every transaction. Income goals work like budgets for money coming in, set per week, month, quarter or year.
Multi-currency net worth
Keep each wallet in its real currency and let KeepBudget total everything at live exchange rates. Net wealth is broken down per currency, and cross-currency transfers use the rate you choose.
What stands out
All your money, one clear picture.
That single-dashboard promise is the product's real edge: budgets, scheduled bills, goals and net worth all draw from the same set of wallets, so one transaction quietly updates everything downstream. The result is less daily bookkeeping and more trust in the numbers — you see where money goes without reconciling it yourself. Import from Excel, CSV or Spendee, and export whenever you like.
Worth checking out if…
You want a genuinely free starting point — the Free plan includes one wallet, one budget, one recurring transaction, one savings goal and one income goal forever, while Pro unlocks unlimited wallets, budgets and goals. If your money spans multiple currencies or accounts, or you're tired of manually updating savings progress, KeepBudget is worth a look.
